Make your money work smarter—not harder—for you
Let’s be real: we’ve all promised ourselves that this will be the year we finally get our finances together. No more impulse “budol” buys, no more paycheck-to-paycheck cycles, and definitely more savings. But somehow, that resolution always ends up pushed to “next time.”
If you’ve ever felt stuck in that loop, you’re not alone. Many Filipinos fall into what’s called “performative money habits” where we look financially responsible (maybe even post about budgeting on social media) but fail to make real progress.
Luckily, Maya, the Philippines’ #1 Fintech Ecosystem and Digital Bank, is helping break that cycle with easy, rewarding tools that help you save smarter, spend better, and grow your money all within one app.
1. Save with Purpose (and Peace of Mind)
If your usual “save what’s left” strategy never works, it’s time to flip the script: treat saving like a bill you pay yourself first.
With Maya Personal Goals, you can set up specific savings targets whether it’s for your next trip, a new gadget, or an emergency fund and earn up to 8% interest per year.
Here’s how:
- Create up to five Personal Goals inside the Maya app
- Set your target amount and due date
- Fund each goal directly from your Maya Wallet, Maya Savings, or another bank
Your deposits start earning 4% interest right away, and every ₱20,000 you add boosts your rate up to 8% annually with no lock-in and no penalties.
2. Make Every Swipe Count
If you’re going to spend anyway, why not make it work for you? With Maya Credit Cards, your daily expenses can earn cashback, points, and even higher interest on your Maya Savings up to 15% p.a.
- Dine anywhere and earn 20% cashback with your Maya Credit Card (promo until December 31, 2025).
- Shop at Landers and enjoy 5% cashback every time you use your Maya Landers Credit Card.
- Travel more with the Maya Black Credit Card, where you earn Maya Miles for every swipe.
It’s smart spending that actually rewards you.
3. Use Credit to Build Your Future
Forget the myth that credit is bad. When used wisely, it can actually help you build a healthy credit score and unlock better financial opportunities.
For first-timers, Maya Black Express is a great place to start. With a one-time Express Deposit (as low as ₱12,500), you set your spending limit while your deposit continues to earn 3.5% annual interest.
Plus, consistent use and on-time payments can qualify you for the full Maya Black Credit Card and all its premium lifestyle perks in as little as six months.
4. Grow Steady with Time Deposit Plus
Once you’re ready to take saving seriously, Maya Time Deposit Plus helps your money grow steadily with up to 6% annual interest.
You can lock in your funds for 3, 6, or 12 months, with deposits of up to ₱1 million per account and up to five accounts in total. The best part? You can keep adding funds anytime, even after hitting your target.
It’s the perfect blend of discipline and flexibility, a modern approach to an old-school savings strategy.
We’ve all made financial mistakes, but that doesn’t define us. What matters is taking small, consistent steps toward better habits. With Maya’s smart tools, you can turn those “someday” goals into real progress without overthinking every peso.
Start saving, earning, and growing your money with Maya today. Because when it comes to finances, intentional moves always beat performative habits.